For St. Louis area buyers, this rising rate environment means higher monthly payments and potentially tighter budgets, which could impact purchasing decisions and affordability. Sellers, on the other hand, might face a more challenging market as buyers reassess their financial capabilities in light of these higher rates. Despite these challenges, St. Louis remains an attractive market due to its relatively stable home prices and local amenities.
For those interested in historical rate trends, please refer to the chart button below. The information provided by MORE, REALTORS® highlights the current dynamics affecting the St. Louis real estate market, offering insights for potential buyers and sellers navigating these shifting conditions. As mortgage rates continue to rise, staying informed is crucial for making sound real estate decisions.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.37% | +0.04% |
| 15 Yr. Fixed | 5.86% | +0.06% |
| 30 Yr. FHA | 6.09% | +0.04% |
| 30 Yr. Jumbo | 6.40% | +0.05% |
| 7/6 SOFR ARM | 6.03% | +0.08% |
| 30 Yr. VA | 6.10% | +0.04% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of November 6, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
